Facing Wage Garnishment: What To Do
Have you received notice that you’re facing wage garnishment? That can be a scary thing – depending on the creditor,…| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Have you received notice that you’re facing wage garnishment? That can be a scary thing – depending on the creditor,…| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
The U.S. has more than $1 trillion in student loans outstanding. That’s more than any other kind of debt except mortgage…| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Can state taxes be discharged in bankruptcy? Yes, but there are four hurdles you'll need to clear first if you're filing Chapter 7 bankruptcy in California.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Do both husband and wife have to file for bankruptcy in California? Can one spouse file for bankruptcy? Learn what happens under California law.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Do I have too much income or debt to file for Chapter 7 bankruptcy? Learn the income levels in California and whether you should file for Chapter 7 or 13.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
If you are thinking of converting a bankruptcy to Chapter 7 to 13 or Chapter 13 to 7, you'll want to consult an experienced Los Angeles bankruptcy attorney.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Have you ever had the experience of signing up for that irresistible free trial only to discover a couple of…| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Nobody ever said being in debt is a desirable place to be, but it very well may be worth taking some of these specific steps to resolve it.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Bad credit car financing gives borrowers the opportunity to get a car when they might not otherwise be able to, but it comes with serious risks. Struggling to get financed for a car in California? Bankruptcy may be an option. Learn how bankruptcy wipes away debt, and how most filers get to keep their property.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
When you surrender your car to your auto lender, it's called a "voluntary repossession." Learn about the process and how it affects your car loan.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
In re Dorsey, 476 B.R. 261 (C.D. Cal. 2012). Catch Her If You Can When you think of hijacking, you…| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Need a bankruptcy law firm in Southern California? Borowitz & Clark offers face-to-face, phone, and virtual appointment options for your convenience.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Here’s a look at what’s driving the surge in repossession and auto loan delinquencies and what likely lies ahead.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
The type of car loan you get can have some pretty big implications; keep this tips in mind before purchasing to lower the risk of repossession.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Looking for a bankruptcy attorney in Los Angeles? Borowitz & Clark, LLP specializes in Chapter 7 and Chapter 13 cases, helping thousands of individuals overcome their financial struggles.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Need a bankruptcy lawyer in Southern California? Borowitz & Clark, LLP is a trusted firm with board-certified bankruptcy specialists who can guide you through the process and provide debt relief solutions.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Discover the benefits of the Automatic Stay in Los Angeles: a crucial legal provision that prevents creditors from racing to collect when you file for bankruptcy.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Chapter 7 in Los Angeles can provide relief from debt. Find out what to expect and how to proceed with your bankruptcy.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
The cost of living in L.A. is 44% higher than the national average. How much debt will you accumulate raising a child here? Save money with these tips.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Wage garnishment is one way creditors can collect debts without your help — they just go straight to your employer. What are your rights in regards to wage garnishment in California? How long does it take to garnish wages after judgment, and who can garnish wages? Stop wage garnishment today by filing for bankruptcy.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Chapter 13 bankruptcy is often looked to as a means to get out of a financial burden, but it could also end up saving you money - here's how.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Student loan debt was put on pause in March of 2020, at the beginning of the pandemic. In the five years since, the pause was extended multiple times. Most borrowers were technically required to start repaying in October of 2023, but the pressure was low. There were no penalties for delinquency in the early months, and the Department of Education (DOE) wasn’t pursuing involuntary collections.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Online buy now, pay later (BNPL) shopping options made their appearance in the early 2010s, and mainly offered a way to purchase larger-ticket items such as electronics, retail furniture, and other goods the purchaser might otherwise not have been able to buy on the spot. The plans worked a lot like the old-fashioned layaway plans in department stores, with two important differences: you got the product right away, and you paid a premium for the privilege.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
When you’re struggling with debt, it’s surprisingly easy to find reasons to delay solutions. Though the sense of urgency never fully leaves you, there’s always something standing in the way. Sometimes it’s that you’re scrambling too hard, working extra hours and juggling bills, to stop and take stock. Sometimes it’s that you’re hoping your next tax refund or year-end bonus or that raise you should be getting in the spring will solve your problems.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Since 1998, student loan debt has been non-dischargeable in bankruptcy unless the borrower could establish that paying back the loan would create an undue hardship. That’s still true. Now, though, DOJ lawyers have some clear, detailed, and much more borrower-friendly instructions about what constitutes undue hardship.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Your 401(k) plays a critical role in protecting your future, and that role is growing. NPR recently reported that the Social Security trust fund is on track to run out of money in just eight years. That means that unless something changes, tens of millions of Social Security recipients will lose a chunk of their benefits.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Student Loan Next Steps for SAVE Borrowers| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Manage debts, business dealings, and learn smart ways to save money in one of the nation's most expensive states, California.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Articles providing an overview of California's consumer bankruptcy laws, including chapter 7, chapter 13, property exemptions, and more.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
If you don’t know what an adversary proceeding in bankruptcy is, you’re far from alone. Only a small percentage of Los Angeles bankruptcy filers file or face an adversary proceeding. The rate of adversary proceedings has picked up in 2025, though. In the Los Angeles Division, a total of 289 adversary proceedings were filed in 2024. As of mid-July, the count for 2025 stands at 313.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
We’re proud to share that our attorney, M. Erik Clark, has been selected as the 2025 Calvin Ashland Attorney of the Year by the Central District Consumer Bankruptcy Attorneys Association (CDCBAA).| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
There’s a lot of misinformation floating around about bankruptcy and debt resolution. While we’ve already busted some of the most persistent bankruptcy myths, the statistics below will paint a clearer picture of the role bankruptcy plays and the impact it can have.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Contact our Los Angeles Bankruptcy Law Firm for a free consultation. We can assist in eliminating debts and easing financial burdens.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
With Cash for Keys, California homeowners facing foreclosure can get paid to vacate the property in a timely fashion. How does the program work?| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Article at a Glance Being unable to pay your bills is stressful. If you can’t pay them all, should some…| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
If you’ve settled the debt for less than the full balance or the creditor has forgiven the debt, there may be another bill on the way.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Over 40,000 clients helped by Los Angeles Bankruptcy Attorneys Borowitz & Clark. Schedule your free consultation today!| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Debt settlement often looks tempting at first glance, but is it the best option for debt? The truth is it could be, but there are downsides to consider.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Many variables impact your credit score, and bankruptcy is just one piece of the puzzle. For some, the answer is surprising.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Getting a tax refund is always something millions of Americans look forward to each year, but what happens if you've filed Bankruptcy? Here's what to know.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
A cosigner in a California bankruptcy can have different responsibilities depending on whether it's a Chapter 7 or 13 case. Learn the differences here.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Dishonesty in the bankruptcy process can have serious negative impacts on your case and on your life. Bankruptcy fraud is a federal felony.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Think you're judgment proof? Creditors may obtain a judgment against you to try to come after your property if and when you become solvent again.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
A new California law may help to provide some additional protection from debt collectors. Here's what you need to know.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Have you forgotten to list a creditor in your Chapter 7 or Chapter 13 bankruptcy case? Regardless of the type of bankruptcy you filed, the first thing you should do when you realize you've left out a creditor is inform your bankruptcy attorney.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Avoid common pitfalls by knowing the moves to avoid before bankruptcy to help you navigate your financial situation. Here are some common steps people struggling with debt take that can backfire if you want to file bankruptcy.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
If you make less than the California median income, you'll likely qualify for chapter 7 bankruptcy. If you make more, you'll have to pass the means test.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Most people who file for bankruptcy in L.A. are able to keep all their property thanks to the flexibility of the California bankruptcy exemptions.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Discover the benefits of Chapter 7 bankruptcy in California, including a quick process and a clean slate for your finances.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Understand the implications of car bankruptcy Los Angeles. Find out how to protect your vehicle while managing your debts.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Protect yourself from debt harassment in Los Angeles. Understand the rights and laws that safeguard consumers from unfair debt collection practices.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
What are the California laws and guidelines for car repossession? How late can you be on a car payment before repo? How much are repossession fees in California? Learn everything you need to know about California repo laws and how to avoid repossession. Our Los Angeles bankruptcy attorneys may be able to help.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
If you want to keep your home through the bankruptcy process, you'll have to keep making mortgage payments. What those payments will look like and whether any junior liens can be discharged depend on the type of bankruptcy and mortgages in your case.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
In some cases, your credit card issuer may challenge your right to wipe out your debt and prevent your bankruptcy discharge.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Bankruptcy is a way to clean your financial slate. Through the bankruptcy process, you can discharge credit card debt, medical…| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
How do I get a Chapter 13 discharge? Should I file Chapter 7 bankruptcy instead? Find out more about Chapter 13 and get help from an LA bankruptcy attorney.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Understand the role of Chapter 13 prevents foreclosure and how timely filings can protect against creditor actions and loss of property.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
How do I get out of a car title loan in California? Get help if your car was repossessed by a title loan company. Learn how to keep your car in bankruptcy.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Consumer Bankruptcy Blog for people in Los Angeles and Southern California by our local bankruptcy attorneys.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
No one likes being in debt, and debt becomes increasingly stressful as balances rise and it gets harder and harder to make timely payments. Discover the mistakes people make with debt and learn how to manage your finances effectively.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Chapter 7 bankruptcy and Chapter 13 bankruptcy can both be powerful solutions for people who are overwhelmed by debt in Los Angeles. They are also very different solutions that benefit different people in different circumstances.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Negotiating with creditors can sound like an intimidating process at first, but it's a tactic that could pay dividends. Here's what to keep in mind.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Bankruptcy can be a powerful tool for regaining control of your finances. But it’s not your only option. Most people who ultimately file for bankruptcy protection spend years struggling with finances before they file.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Learn about Chapter 7 Bankruptcy in Los Angeles and how California's exemptions can protect non-exempt property.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Learn about chapter 13 bankruptcy and how it can help you restructure your debts. Create a payment plan and pay only a fraction of your unsecured debts.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
If you’ve received a summons for credit card debt, you may be unsure about what you should do next. You have limited time to act after you receive a summons, so the one thing you definitely shouldn’t do is procrastinate.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Wondering if it is time to consider bankruptcy? Explore 7 crucial signs indicating that you should seek legal advice today.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Avoid costly mistakes. Understand the dangers of filing bankruptcy without an attorney and the importance of guidance.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Explore the differences between bankruptcy and debt settlement. Understand which option offers better relief for your financial situation.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Struggling with your budget? Use these top tips to keep your Los Angeles budget on track and regain control of your spending.| Los Angeles Bankruptcy Attorney - Southern California Bankruptcy Attorney | B...
Learn how to rebuild after bankruptcy with essential budgeting tips and five steps for a stronger financial foundation.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
The decision to file a separate bankruptcy can be one that makes sense, but if you're married, there may be other aspects to consider for your spouse.| Los Angeles Bankruptcy Attorney - Southern California Bankruptcy Attorney | B...
Understanding bankruptcy is crucial. Find out how what you do not know can hurt you in bankruptcy filings and decisions.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
Get a fresh financial start with the help of a Los Angeles Bankruptcy Attorney. Over 40,000 people in Southern California have found debt relief with Borowitz & Clark.| Los Angeles Bankruptcy Attorney - Southern California Bankruptcy Attorney | B...
Household debt has reached unprecedented levels. Learn about the current state of credit card, mortgage, and auto loan debt in the U.S.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
“How much will it cost to file bankruptcy?” is one of the first questions we hear from many people who…| Los Angeles Bankruptcy Attorney - Southern California Bankruptcy Attorney | B...
There were 37% more bankruptcy filings in the U.S. Bankruptcy Court for the Central District of California this January than…| Los Angeles Bankruptcy Attorney - Southern California Bankruptcy Attorney | B...
Discover the potential for bankruptcy to save your retirement and help you regain control of your financial situation.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
How does foreclosure work in California? The California foreclosure process can last 200 days or more. Learn about notice of default and notice of trustee sale, plus options for saving your home. Borowitz & Clark breaks down the foreclosure process in California step by step. Contact us today for a free case review.| Los Angeles and all of Southern California Bankruptcy Attorney Law Firm | Bor...
